Privacy Notice
Last Updated 03/01/2024
Privacy Notice
This Notice applies to OneNetworks, Inc., d/b/a Finexio and its corporate affiliates (collectively, together with any of their successors or assigns, “Finexio,” “we,” “our,” and “us”).
Privacy and security are important to us at Finexio. This Privacy Notice (“Notice”) describes how we collect, use, and disclose information about visitors and users of our websites (each a “Site,” or collectively, “our Sites”) and any other products or services that are governed by service terms that link to this Privacy Notice.
We value transparency and want to provide you with a clear and concise description of how we treat your personal information. Please take some time to read this Notice carefully. This Notice does not apply to business information you may provide.
Please note that we may act as a partner, processor, or service provider to certain third parties, and you should review the Privacy Notice of such third parties with whom you are dealing directly, as they will be responsible for the handling of your Information. This Privacy Notice also does not cover any websites, products, or services provided by others. We encourage you to review the privacy policies or notices of those third parties for information about their practices.
You can access specific topics in this Privacy Notice by clicking on the relevant links below:
Types of Personal Information We Collect
How We Disclose Your Information
Cookies and Similar Tracking Technologies
How We Protect Personal Information
TYPES OF PERSONAL INFORMATION WE COLLECT
We provide a payments platform and related services for businesses. In that capacity we receive personal information from our customers and process that information on behalf of our customers. In other situations, we receive personal information for our own use. Personal information generally refers to any information that can be linked to an identified or identifiable natural person. The following provides examples of the types of information that we collect and how we use that information.
Information you provide. When you apply to send or receive payments through our platform or otherwise connect your financial accounts through Finexio, where applicable, we collect identifiers and login information required by the provider of your account, such as your username and password, or a security token. In some cases, we also collect your phone number, email address, security questions and answers, and one-time password (OTP) to help verify your identity before connecting your financial accounts. When providing this information, you give Finexio the authority to act on your behalf to access and transmit your information from the relevant bank or other entity that provides your financial accounts (we’ll call them “financial product and service providers” in this Notice). You may also provide us with identifiers and other information, including your name, email address, and phone number, when you contact us or enter any such information on our Sites, and such information about persons you intend to pay or from whom you expect payment.
Information we collect from your financial accounts. The information we receive from the financial product and service providers that maintain your financial accounts varies depending on a number of factors, including the specific Finexio products or services being used, as well as the information made available by those providers. But, in general, we collect the following types of identifiers, commercial information, and other personal information from your financial product and service providers:
- Account information, including financial institution name, account name, account type, account ownership, branch number, IBAN, BIC, account number, routing number, and sort code;
- Information about an account balance, including current and available balance;
- Identifiers and information about the account owner(s), including name, email address, phone number, date of birth, and address information; and
- Information about account transactions, including amount, date, payee, type, quantity, price, location, and a description of the transaction.
Information we receive from your devices. When you use your device to connect to our Site, platform, or services, we receive identifiers and electronic network activity information about that device, including internet protocol (IP) address, timezone setting and location, device location, hardware model, operating system, which features within our services you access, browser data, and other technical information about the device. We also use cookies or similar tracking technologies to collect usage statistics and to help us provide and improve our services. For more information relating to the use of such tools, review our “Cookie and Similar Tracking Technologies” section below.
Information we receive about you from other sources. We also receive identifiers and commercial information about you directly from other users of our services or other third parties, including our bank partners and service providers. For example, other users attempting to make payments to you using our services may provide information such as your full name, email address, phone number, or information about your financial accounts and account transactions, and our bank partners or service providers may provide information such as the status of a transaction you have initiated.
Inferences we derive from the data we collect. We may use the information we collect about you to derive inferences. For example, we may infer your location or your annual income or revenue based on the information we have collected about you from you or other sources.
HOW WE USE YOUR INFORMATION
We use your personal information for a number of business and commercial purposes, including to operate, improve, and protect the services we provide, and to develop new services. More specifically, we use your personal information:
- To operate, provide, and maintain our services;
- To improve, enhance, modify, add to, and further develop our services;
- To detect, prevent, and protect you, our partners, Finexio, and others from fraud, malicious activity, and other privacy and security-related concerns;
- To develop new services;
- To provide customer support to you or our customers , including to help respond to your inquiries related to our services, or other requests;
- To send marketing and promotional materials, including information relating to our products, services, or special promotions;
- To investigate any misuse of our services, criminal activity, or other unauthorized access to our services;
- To comply with contractual and legal obligations under applicable law and/or protect our legal interests and rights;
- To enforce, establish, or exercise rights described in the service terms that apply to our products and services; and
- For other notified purposes with your consent.
Although the sections above describe our primary purpose in collecting your information, in many situations we have more than one purpose. For example, we may collect your information to perform our contract with you, but we also collect your information because we have a legitimate interest in understanding who our customers are and what services we perform on their behalf.
HOW WE DISCLOSE YOUR INFORMATION
We may disclose all categories of personal information described above to the following parties for the purposes identified within this Privacy Notice:
- Affiliates and Acquisitions. We may disclose information to our corporate affiliates (e.g., parent company, sister companies, subsidiaries, joint ventures, or other companies under common control). If another company acquires, or anticipates acquiring, our company, business, or our assets, we will also disclose information to that company.
- Other Disclosures with Your Consent. We may disclose your personal information with your consent to unaffiliated third parties who are not described elsewhere in this Privacy Notice.
- Other Disclosures without Your Consent. We may disclose information in response to subpoenas, warrants, or court orders, or in connection with any legal process, or to comply with relevant laws. We may also disclose your information in order to enforce, establish, or exercise our rights (including as described in the service terms that apply to our products and services), to defend against a legal claim, to investigate, prevent, or take action regarding possible illegal activities, suspected fraud, safety of person or property, or a violation of our policies, or to comply with your request for the provision of services by a third-party service provider or other intermediary.
- Public. Some of our Sites may provide the opportunity to post comments, or reviews, on a message board or in a public forum. If you decide to submit information on these pages, that information may be publicly available.
- Service Providers. We may disclose your information to service providers. Among other things service providers may help us to administer our Sites, conduct surveys, provide technical support, process payments, and assist in the fulfillment of account maintenance or change requests.
- De-identified Personal Information. We may collect, disclose or use aggregated, de-identified data, or anonymized data for any lawful purpose. This includes creating or using aggregated, de-identified, or anonymized data based on the collected information to develop new services and to facilitate research. De-identified information is generally not considered to be personal information under applicable laws.
COOKIES AND SIMILAR TRACKING TECHNOLOGIES
Every time you come to any of our Sites, our website’s web server automatically collects information, including, in some instances, personal information, through cookies, web beacons, and other similar tracking technologies (collectively “cookies”). Cookies are small text files that are placed on your computer or mobile device when you visit a website. Cookies help the website remember information about your visit, which can make it easier to visit the website again and make the website more useful to you. Some cookies are deleted once you close your browser (session cookies), while other cookies are retained even after you close your browser so that you can be recognized when you return to a website (persistent cookies).
Cookies on our Sites are generally divided into the following categories:
We may use the information collected through cookies and related tracking technologies for the following purposes:
- To make our Sites easier to use and generally improve its performance.
- To gather metrics about how you interact with our Sites.
- For security reasons.
- To provide personalized content. For example, we may store user preferences, your default language, device and browser information, and your profile information, which includes the level of your usage of the website so we can identify you across devices and personalize the content you see.
Most web browsers automatically accept cookies, but you can usually change your browser settings to prevent this. If you disable cookies, your ability to use some features of the website may be limited. For mobile devices, you may be able to manage certain cookies using your built-in mobile device settings and controls. Any choices concerning cookies are browser- and/or device-specific. If you clear your cookies from your browser on any of your devices, your choices will need to be reset. You should check how to do this on your device(s) and operating systems.
Some cookie providers may also offer opportunities to control your preferences. To learn how to opt-out of Google Analytics, an Analytics cookie, please visit https://tools.google.com/dlpage/gaoptout.
OUR RETENTION PRACTICES
We retain personal information for no longer than necessary to fulfill the purposes for which it was collected and used, as described in this Notice, unless a longer retention period is required or permitted under applicable law. As permitted under applicable law, even after you stop using a service or terminate your account, we may still retain your information (for example, if we received your information from another user). However, your information will only be processed as required by law or in accordance with this Notice.
HOW WE PROTECT PERSONAL INFORMATION
No method of transmission over the Internet, or method of electronic storage, is fully secure. While we use reasonable efforts designed to protect your personal information from unauthorized access, use, or disclosure, we cannot guarantee the security of your personal information. In the event that we are required by law to inform you of any unauthorized access to your personal information we may notify you electronically, in writing, or by telephone, if permitted to do so by law.
Our Sites may permit you to create an account. When you do you will be prompted to create a password. You are responsible for maintaining the confidentiality of your password, and you are responsible for any access to or use of your account by someone else that has obtained your password, whether or not such access or use has been authorized by you. You should notify us immediately of any unauthorized use of your password or account.
OTHER IMPORTANT INFORMATION
The following additional information relates to our privacy practices:
Changes To This Notice. We may change our Privacy Notice and practices over time. To the extent that our Notice changes in a material way, the notice that was in place at the time that you submitted personal information to us will generally govern that information unless we receive your consent to the new Privacy Notice. This Notice includes an “effective” date. The effective date refers to the date that the current version took effect.
Links. Our Sites may contain links to other sites. Please be aware that we are not responsible for the content or privacy practices of such other sites. We encourage our users to be aware when they leave one of our Sites and to read the privacy statements of any other site that collects personally identifiable information.
Children’s Privacy. Our Sites are not intended for children under 16 years of age. We do not knowingly collect personal information from children under 16.
Promotional Emails. Unless you ask us not to, we may contact you via email to tell you about special promotions, new products or services, or changes to this Privacy Notice. You may opt-out of any future promotional materials from us at any time by clicking the “unsubscribe” link at the bottom of any promotional email that you receive from us.
CONTACT US
If you have any questions or complaints about this Notice, or about our privacy practices generally, you can contact us through our customer service resources at support.finexio.com. We will attempt to respond to your requests and to provide you with additional privacy-related information.
Effective Date: 03/01/2024
